In our weekly series, readers can email in with any question about retirement and pension savings to be answered by our expert, Tom Selby, director of public policy at investment platform AJ Bell. There is nothing he does not know about pensions. If you have a question for him, email us at money@inews.co.uk.

Question: I read your column about Pension Credit last week and had a related question on my other assets. If I choose to downsize and thus free up a sizeable chunk of cash in the process, will that affect my Pension Credit entitlement?

Answer: In short, yes. As I explained in my previous column, Pension Credit is a benefit aimed at boosting the incomes of the lowest-income pensioners.

As a reminder, to qualify for Pension Credit, you must be aged 66 or older (i.e. have

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